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Insurance Claims

A Homeowner’s Guide to Roofing Insurance Claims

Navigating the world of roofing insurance claims can be daunting, but as a homeowner, understanding this process is an integral part of being prepared for the unexpected. From storm damage to fire incidents and other unforeseen circumstances, the way you handle an insurance claim can make the difference between a smooth resolution and a stressful situation. This guide is designed to help you traverse the journey confidently.

Understanding Your Policy

The cornerstone of a smooth claim process is having a thorough understanding of your homeowner’s insurance policy. While these policies typically cover unexpected losses such as fire, water, and weather damage, the degree of coverage can differ based on your specific policy. Two crucial concepts to grasp are:

  • Actual Cash Value (ACV): This coverage considers the age and depreciation of the roof, influencing the claim’s value.
  • Replacement Cost Value (RCV): This type of coverage pays for the cost of replacing the damaged roof with a new one, irrespective of the old roof’s age.

Being aware of the details of your policy will help you anticipate potential out-of-pocket costs and set accurate expectations when filing a claim.

Factors That Affect Your Claim

Your claim is not viewed in isolation. Several elements come into play when insurance companies determine its validity and value:

  • The number of claims you’ve filed in the last five years
  • The deductible on your policy
  • The extent of the damage
  • The current value of the roof
  • Your ability to have the claim approved

Older roofs (typically over ten years old) might not be covered as generously as a younger, well-maintained roof. Similarly, the cause of the damage is considered. For instance, damage incurred due to the work of an unqualified or unlicensed roofer might not be covered.

The Claim Process

Here’s a walkthrough of the typical claim process:

  1. Document the Damage: This is your first step. Ensure you take thorough pictures of the entire roof, focusing on the damaged areas. Capture any interior damage such as leaks in the attic.
  2. Engage Your Contractor and Insurance Adjuster: Notify your insurance adjuster about the damage and involve your contractor early on. A roofing contractor’s professional insight during the inspection could ensure an accurate assessment.
  3. Await Adjuster’s Decision: The adjuster will then make a decision on your claim. The decision could be an approval, a denial, or a dispute. Each outcome has different implications, so understanding what they entail can help you prepare for the next steps.

What to Do If Your Claim Is Denied

A denied claim might seem like a dead-end, but it’s not. Reasons for denial can include late filing, discrepancies in the claim, or damage caused by factors not covered by your policy. Timely and accurate filing can help prevent denial. If your claim is disputed, enlisting the help of a public adjuster could be beneficial. They can provide a second opinion on the damage and aid in negotiating with the insurance company.

Post-Claim Process: Getting the Roof Repaired

Once you’ve successfully navigated the claim process, it’s time to get your roof back in shape. This stage calls for a trusted roofing contractor. Look for a company with experience, a positive reputation, and preferably one familiar with the local area. Sharing your insurance paperwork with your contractor is a key step to ensure they understand the scope of the work the insurance covers. It’s also critical to oversee the progress of the repairs to ensure the job is done to your satisfaction. The ultimate goal is to restore your home to its original condition, not merely to patch up the damage.

Final Tips and Best Practices

For a seamless future claim process, consider these best practices:

  • Regularly document your property’s condition. This will serve as a useful reference in case of damage.
  • Make an effort to understand your homeowner’s insurance policy in detail. This will help you know what to expect when filing a claim.
  • Regular maintenance of your roof can prevent extensive damage and prolong its lifespan.
  • Prevention is often less stressful and less costly than repair.


While the roofing insurance claim process might seem intimidating, it’s an essential skill for homeowners. The journey might have its complexities, but with the right knowledge and preparation, it can be navigated successfully. Don’t hesitate to seek professional help when needed, as it can make the difference between a smooth claim process and a taxing ordeal. Always remember, your home is a valuable investment, and its protection should be a top priority.

If you find yourself needing expert guidance or professional roofing services, don’t hesitate to contact JBS Roofing in Phoenix, Arizona. Our team of experienced professionals is ready to assist you with all your roofing needs and ensure you navigate the insurance claim process confidently and successfully. Protecting your home is our mission. Reach out to us today!

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